Call reports 2020
BANK OF CADIZ AND TRUST COMPANY — 2020
What BANK OF CADIZ AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 119,962,000 | 127,700,000 | 134,548,000 | 127,602,000 |
| Total loans | 62,839,000 | 64,008,000 | 62,749,000 | 62,234,000 |
| Allowance for loan losses | 547,000 | 553,000 | 570,000 | 588,000 |
| Securities available for sale | 34,961,000 | 37,264,000 | 38,658,000 | 42,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,811,000 | 115,626,000 | 122,370,000 | 115,432,000 |
| Interest-bearing deposits | 99,055,000 | 103,207,000 | 110,748,000 | 103,901,000 |
| Noninterest-bearing deposits | 9,756,000 | 12,419,000 | 11,622,000 | 11,531,000 |
| Equity capital | 10,431,000 | 11,275,000 | 11,312,000 | 11,356,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,130,000 | 2,192,000 | 3,199,000 | 4,190,000 |
| Interest expense | 237,000 | 467,000 | 692,000 | 903,000 |
| Net interest income | 893,000 | 1,725,000 | 2,507,000 | 3,287,000 |
| Noninterest income | 144,000 | 267,000 | 414,000 | 555,000 |
| Noninterest expense | 838,000 | 1,580,000 | 2,374,000 | 3,138,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 184,000 | 382,000 | 530,000 | 683,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 184,000 | 382,000 | 530,000 | 683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,291,000 | 10,465,000 | 10,587,000 | 10,715,000 |
| Total capital | 10,838,000 | 11,018,000 | 11,157,000 | 11,303,000 |
| Risk-weighted assets | 64,184,000 | 66,568,000 | 67,844,000 | 67,168,000 |